2025年超越财富：美国富人报告

Table of contents Methodology First Citizens Wealthpartnered with Logica Research to conduct the 1,100 wealthy Americans with $500K+ in investable assets second iteration of theBeyond Wealth Reports. It uncovers new insights about the behaviors and attitudes of wealthyAmericans and business owners on money management, retirement Throughout this report, we include the followinggroups based on investable assets: This study, theBeyond Wealth Report for Wealthy Americans,focuses on findings and insights related to wealthy Americans–those with $500,000 or more in investable assets. •Affluent: $500,000 to less than $1 million•High net worth (HNW): $1 million to less than$10 million A companion study, theBeyond Wealth Report for Business Owners,focuses on those wealthy Americans who are also business owners. *100 UHNW Americans are an oversample and are not included in the totalsample of 1,000 wealthy Americans unless otherwise noted. Responses were collected through an online survey during August Growing complexity, enduring resilience investments and employment, many are citing multiple income sources,such as business ownership, equity compensation or inheritance. Personal wealth is never static—it evolves with the economy, the marketsand the personal choices individuals make. Each year, theBeyond WealthReport for Wealthy Americansprovides a window into these shifts,capturing how wealthy Americans feel about the environment around them Perhaps most encouragingly, the value of professional guidance is clear.Three in four wealthy Americans now work with a financial advisor, citingnot only stronger outcomes but also greater confidence and reduced stress. In 2025, macroeconomic forces have reshaped financial strategies.More than half of wealthy Americans report feeling “somewhat” or “very”stressed about their finances this year, with inflation, market volatility and In an era defined by complexity, that human connection—trustedadvice tailored to the individual—remains indispensable. We’ve also seen a growing shift in retirement expectations. While theaverage amount respondents believe they’ll need to retire has increasedsince last year's report, their savings have remained flat. Perhapsunsurprisingly, the average age at which wealthy Americans expect to Ultimately, these findings are more than statistics. They are signals of howwealthy Americans are responding to change. I hope you find this year’s Beyond Wealth Report for Wealthy Americans avaluable lens for understanding not just where these individuals are today,but where they are heading—and how we can help them move forward Yet amid these challenges, wealthy Americans are demonstrating trueresilience. Many are channeling financial stress into purposefuladjustments that strengthen their financial foundation: they’re cutting back on luxuries, redirecting resources toward long-term goals andincreasing both retirement contributions and investments. Marc HorganReport Author & Executive Director,First Citizens Wealth We also see greater diversification of income sources in 2025. While mostwealthy Americans continue to build wealth through a combination of Click through to key takeaways Wealth building, financialgoals and priorities Investments and income are top waysto generate wealth Working with a financial advisor hasmaterial and mental benefits Jump to slideJump to slide Wealthy Americans are confident yetstressed about finances Sources and attitudes towards wealth In response to economic uncertainty, wealthy Americans are adjustingtheir financial habits to strengthen their financial foundation. ▪Investments and income are the top ways wealthy Americansgenerate their wealth and savings▪Wealthy Americans say their finances cause them stress despitefeelings of confidence Investments and work income drive wealth Compared to a year ago, wealthy Americans have broadened their sources of savings and wealth ▪Investments and income from working are the top sources of wealthy Americans’ savings and wealth. Other common sources ▪Since 2024, wealthy Americans report having more sources for their savings and wealth, with the greatest increase beingstock/options in their employer’s company. As wealthy Americans navigate economic uncertainties, they may be turning to Age can influence sources of savings and wealth Working income and investments are the primary sources of savings and wealth ▪UHNW Americans are most likely to source their savings and wealth primarily via income from working. For all wealthyAmericans, income from working, investments and business ownership are all common primary sources for wealth and savings. ▪Age can also impact where wealthy Americans source their savings and wealth, with Millennials citing business ownership andBoomers citing investments as their primary sources of wealth and savings. For wealthy Americans, financial stress is common Factors outside wealthy Americans’ control are fueling their finan